Notification of Changes in relation to China Construction Bank (Asia) Banking Services and the relevant Terms and Conditions

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1 October 2018 Dear Valued Customer, Notification of Changes in relation to China Construction Bank (Asia) Banking Services and the relevant Terms and Conditions Thank you for choosing our banking services. We would like to inform you that some of our banking services and relevant terms and conditions shall be revised in the fourth quarter of 2018 tentatively. We will notify you of the effective date separately. The banking services and their relevant terms & conditions to be amended include: 1. Termination of Commercial Account Designated Account Linking in the Portfolio Statement; 2. Schedule of Service Fees, General Banking Services; 3. Bank s Savings/Checking/Time Deposit account number and the arrangement for recording Time Deposit transaction; 4. China Construction Bank (Asia) Terms and Conditions for Value Added Payroll Service ; 5. Consolidation of Terms and Conditions for China Construction Bank (Asia) Fun Plus Rewards Scheme into Terms & Conditions of Bonus Points Reward Programme ; 6. Terms and Conditions for China Construction Bank (Asia) PREMIER SELECT / PREMIER BANKING / WISE BANKING Service and PREMIER BANKING and WISE BANKING Birthday Program ( Birthday Offer ) Terms and Conditions ; 7. CCB (Asia) Personal Installment Loan, Tax installment Loan, Personal Loan for Employees of China s State-owned Enterprises, Personal Loan for Employees of China s State-owned Enterprises in Tax Season, Associate Tax Installment Loan, Personal Overdraft, Lease Agreement, Hire Purchase Agreement and Mortgage Loan ; 8. CCB (Asia) Personal Loan PIL, Personal Loan BTL, CCB HNW, CCB PNBWD and China Mortgage ; 9. China Construction Bank (Asia) Terms And Conditions For Accounts And Related Services (For Individuals) For details of the amendments, please refer to the attached Annexure 1 to 9. You may also contact our branch staff or visit our website for a copy of the relevant revised Terms and Conditions. Please note that the above amendments shall be binding on you if you continue to use our banking services on or after the effective date. If you decline to accept the above amendments, you have the right to terminate your respective accounts or services in accordance with the existing Terms and Conditions, and notify us for the termination arrangement before the effective date. Please note that if you hold any CCB (Asia) credit card, your home telephone number and address, office phone number and address as well as preferred language for ATM screen and other communications of all of your CCB (Asia) credit card accounts will be updated in accordance with your bank account record. We apologize for the inconvenience that may cause. For enquiries, please contact any of our branch staff or call Personal Banking Customer Service Hotline at or Commercial Banking Customer Service Hotline at or Mainland IDD Toll Free Hotline at Yours faithfully, China Construction Bank (Asia) Corporation Limited Enclosures: Annexure 1 to 9. This is a computer printout and no signature is required. If there is any inconsistency between the English and Chinese versions of this letter, the English version shall prevail.

2 Annexure 1 Termination of Commercial Account Designated Account Linking in the Portfolio Statement The service of our Commercial Account Designated Account Linking in the Portfolio Statement will not be available. Thereafter, all your accounts under your name will be linked automatically in your Portfolio Statement. Operation of your account(s) with us will not be affected. Annexure 2 Amendment to the Schedule of Service Fees, General Banking Services China Construction Bank (Asia) Corporation Limited & China Construction Bank Corporation Hong Kong Branch (the Bank ) (see Remark) Services Existing Fees Revised Fees (revised contents are underlined) COUNTER SERVICES Cashier s Order For commercial and corporate account - Issuance Commission - Repurchase - Loss and reissuance Cashier s Order For non-account - Issuance Commission For non-account - Repurchase Gift Check Gift Check For non-account s Foreign Currency Notes Exchange (including RMB) For non-account Bulk HKD and RMB Bank Notes Deposit For personal, commercial and corporate Foreign Currency Notes Withdrawal RMB Notes Withdrawal Bulk Check Deposit - up to 30 pieces - over 30 pieces Mail Held for Collection CHECKING ACCOUNT Account Opening Fee for New Customer (For Commercial & Corporate Account Customers Only) Set-up Fee (Local Company) Set-up Fee (Overseas Company) Returned Check For commercial and corporate account - For insufficient funds - For technical or other errors on the check - HKD50/USD6/RMB42 per transaction - HKD50/USD6/RMB42 per transaction - HKD50/USD6/RMB42 per transaction plus the fee collected by Hong Kong Interbank Clearing Ltd. which is subject to update from time to time - HKD100/ USD12/ RMB84 per transaction - HKD100/ USD12/ RMB84 per transaction - HKD15 per transaction - HKD20 per transaction - HKD100 per transaction Per customer per day: - up to 500 pieces -NIL - over 500 pieces % on total deposit amount, min. HKD125 or RMB100 Per counter visit per account: - up to RMB 30,000 -NIL - over RMB 30, % on total withdrawal amount - HKD 2 per additional check over 30 pieces - HKD100 or equivalent per month - Free - Free - HKD150/USD20/RMB200 per check - HKD75/USD10/RMB50 per check - HKD30 or equivalent per transaction - HKD25 or equivalent per transaction - HKD50 per transaction plus the fee collected by Hong Kong Interbank Clearing Ltd. which is subject to update from time to time Please note that such service will no longer be available to who do not hold any accounts or products with us. For personal, commercial and corporate account - HKD15 per transaction Please note that such service will no longer be available to who do not hold any accounts or products with us. Please note that such service will no longer be available to who do not hold any accounts or products with us. Per customer per day: - up to 200 pieces -NIL - over 200 pieces % on total deposit amount, min. HKD100 or RMB75 Per counter visit per account: - up to 200 pieces - over 200 pieces % on total withdrawal amount, min. HKD100 or RMB75 For personal, commercial and corporate account - HKD 2 per additional check over 30 pieces For personal, commercial and corporate account - HKD100 or equivalent per month - HKD10,000 per customer - HKD30,000 per customer - HKD150 or equivalent per check - HKD150 or equivalent per check

3 Services Existing Fees Revised Fees (revised contents are underlined) CHECKING ACCOUNT Temporary Overdraft For commercial and corporate account - Handling Fee - Interest Rate - HKD - USD - RMB Stop Payment of Check For commercial and corporate account - HKD/USD - RMB Check Book Mailing For commercial and corporate account - By Registered Mail SAVINGS ACCOUNT Handling Fee plus Interest on the overdraft account - HKD120/USD15/RMB120 per check - HK Prime Rate +10% p.a. - US Prime Rate +10% p.a. - Overnight CNH HIBOR + 10%p.a. - HKD100 or equivalent per check - RMB100 per check Hong Kong address - HKD25 or equivalent Foreign or Mainland China address - HKD40 or equivalent Handling Fee plus Interest on the overdraft account - HKD100 or equivalent per check For all accounts - HK Prime Rate +10% p.a. - US Prime Rate +10% p.a. - Overnight CNH HIBOR + 10%p.a. - HKD100 or equivalent per check - HKD100 or equivalent per check - HKD20 or equivalent Account Opening Fee for New Customer (For Commercial & Corporate Account Customers Only) Set-up Fee (Local Company) Set-up Fee (Overseas Company) SAFE DEPOSIT BOX - Free - Free Force Opening of Safe Deposit Box HKD1,000 plus out-of-pocket expenses HKD2,000 INWARD REMITTANCE Credit to Account with Our Bank - Telegraphic Transfer - CHATS OUTWARD REMITTANCE Demand Draft For commercial and corporate account - Repurchase - Loss and reissuance Demand Draft Issuance commission Payment by Clearing House Automatic Transfer Systems (CHATS) Within Hong Kong in HKD/RMB/USD/EUR - Through Internet (Express Transfer) - Through Branches - HKD60 per transaction - HKD15 per transaction - HKD100 plus cable charge HKD250 - HKD300 plus cable charge HKD250 For non-account - HKD180 per transaction for other account - HKD50 /RMB50/USD7/EUR6 per transaction for other account - HKD180 or equivalent per transaction^ Payment by Hong Kong Interbank Clearing Limited (HKICL) Within Hong Kong in HKD - Through Internet (etransfer) - HKD5 per transaction NIL Payment by Faster Payment System (FPS) Within Hong Kong in HKD/RMB Through Internet - For PREMIER SELECT - For other account payment less than or equal to HKD1,000,000/ RMB1,000,000 payment higher than HKD1,000,000/ RMB1,000,000 NIL - HKD10,000 per customer - HKD30,000 per customer For personal, commercial and corporate account - HKD60 per transaction - HKD15 per transaction - HKD200 per transaction - HKD200 per transaction Please note that such service will no longer be available to who do not hold any accounts or products with us. for personal account - HKD50 or equivalent per transaction for commercial and corporate account - HKD75 or equivalent per transaction for personal, commercial and corporate - HKD180 or equivalent per transaction Please note that the charges for FPS are newly added. NIL HKD50/RMB50 per transaction

4 Services Existing Fees Revised Fees (revised contents are underlined) OUTWARD REMITTANCE Telegraphic Transfer Issuance commission - Through Internet - Through Branches - for PREMIER SELECT ^ - HKD50 for each RMB remittance to Mainland China^ - for PREMIER BANKING - HKD40 or HKD60** per transaction^ - HKD70 for each RMB remittance to Mainland China^ - for other account - HKD80 or HKD100** per transaction - HKD80 for each RMB remittance to Mainland China^ - for PREMIER SELECT ^ - HKD50 for each RMB remittance to Mainland China^ - for PREMIER BANKING - HKD40 or HKD60** per transaction^ - HKD140 for RMB remittance to Mainland China^ - for PREMIER BUSINESS - HKD150 or HKD220** per transaction^ - HKD220 for each RMB remittance to Mainland China^ - for WISE BUSINESS - HKD150 or HKD220** per transaction^ - HKD220 for each RMB remittance to Mainland China^ - for WISE BANKING - HKD80 or HKD100* *per transaction^ - HKD188 for RMB remittance to the Mainland China^ - for PREMIER SELECT - for PREMIER BANKING - HKD60 per transaction - for WISE BANKING - HKD80 per transaction - for personal, commercial and corporate account - HKD100 per transaction - for PREMIER SELECT - for PREMIER BANKING - HKD80 per transaction - for PREMIER BUSINESS - HKD150 per transaction - for WISE BUSINESS - HKD150 per transaction - for WISE BANKING - HKD110 per transaction AUTO FINANCE - for other account - HKD200 or HKD220** per transaction^ - HKD220 for RMB remittance to Mainland China^ - HKD80 per transaction for credit to same name account maintained with China Construction Bank Macau Branch [ CCB Macau Branch ]^ - for personal, commercial and corporate account - HKD220 per transaction Please note that the remark for ** and ^ will be removed from the last page of the Fees Schedule. **If the currency of the destination of payment is not the payment currency. ^ Additional HKD150 for payment details in Chinese. Assignment of Hire Purchase/Lease Agreement Minimum HKD1,000 per transaction Please note that such service will no longer be available. SECURITIES TRADING SERVICES (HK Securities) Brokerage Through manned hotline or branches - For Packaged Banking Customers - PREMIER BUSINESS % of transaction amount, min. HKD100/ RMB83 SECURITIES TRADING SERVICES (Shanghai and Shenzhen Northbound Trading) Brokerage Through manned hotline or branches б - For Packaged Banking Customers - PREMIER BUSINESS % of transaction amount, min. RMB % of transaction amount, min. HKD100/ RMB % of transaction amount, min. RMB83 - For personal, commercial and corporate account CROSS BORDER LONG CARD ACCOUNT SERVICE China Construction Bank Corporation ( CCB ) Account % of transaction amount, min. HKD100/ RMB83 Deposit/Transfer in Other City - 0.5% on the transaction amount, min. RMB2 and max. RMB50 Withdrawal in Other City - 1% on transaction amount, min. RMB2 and max, RMB % of transaction amount, min. HKD100/ RMB83 Deposit/Transfer in Other City within CCB network - This fee is collected by CCB and is subject to update from time to time. Withdrawal in Other City within CCB network - This fee is collected by CCB and is subject to update from time to time.

5 Services Existing Fees Revised Fees (revised contents are underlined) CROSS BORDER LONG CARD ACCOUNT SERVICE ATM Cash Withdrawal (Applicable to Cross Border Long Card) CCB ATMs - Other City MISCELLANEOUS Standing Instruction - set-up/amendment fee - periodical payment - stop payment - 1% on transaction amount, min. RMB2 and max. RMB100 - Transfer from HKD account to RMB account within our bank - Transfer from RMB account with our bank to RMB account with other banks - RMB60 per instruction - Other transfer - HKD70 per instruction - Transfer from HKD account to RMB account within our bank - Transfer from RMB account with our bank to RMB account with other banks - RMB17 per instruction - Other transfer - HKD30 per instruction - Transfer from RMB account with our bank to RMB account with other banks - RMB85 per instruction This fee is collected by CCB and is subject to update from time to time. For personal, commercial and corporate account - Transfer from HKD account to RMB account within our bank - Transfer from RMB account with our bank to RMB account with other banks - RMB60 per instruction - Other transfer - HKD70 per instruction - Transfer from HKD account to RMB account within our bank - Transfer from RMB account with our bank to RMB account with other banks - RMB17 per instruction - Other transfer - HKD30 per instruction - Transfer from RMB account with our bank to RMB account with other banks - RMB85 per instruction - Other transfer - HKD100 per instruction - Other transfer - HKD100 per instruction Bank Confirmation of Customer for Audit Purpose HKD400 per request HKD300 per request Low Balance Account Monthly Maintenance Fee Online Banking Replacement for lost/broken Security Token Combined daily average deposit balance below HKD5,000 per month - HKD50 per month The fee will be waived for the including: Senior citizens aged 65 or above Customers aged below 18 Recipients of Comprehensive Social Security Assistance (must provide relevant documents) Recipients of Government s Disability Allowance (must provide relevant documents) Low income (must apply for the fee waiver at a branch) The Bank s designated including those holding products/ services which are specified by the Bank from time to time and held or registered under the same name(s) and identity number(s). HKD100 per token Fees may be collected in the appropriate foreign currency at the equivalent amount according to the exchange rate set by the Bank. For commercial and corporate account - Combined daily average deposit balance below HKD100,000 per month - HKD250 per month For personal account - Combined daily average deposit balance below HKD5,000 per month - HKD50 per month The fee will be waived for the including: Senior citizens aged 65 or above Customers aged below 18 Recipients of Comprehensive Social Security Assistance (must provide relevant documents) Recipients of Government s Disability Allowance (must provide relevant documents) Low income (must apply for the fee waiver at a branch) The Bank s designated including those holding products/ services which are specified by the Bank from time to time and held or registered under the same name(s) and identity number(s). Replacement for lost Security Token - HKD100 per token Replacement for damaged Security Token - Waived б Online Brokerage commission will be applied on all Shenzhen Northbound Trading transactions which trade via through manned hotline / branches until Dec 31, 2019.

6 Please note that below fees are added: Services Fees CASH MANAGEMENT SERVICE (Applicable to Corporate and Commercial Customers Only) Interest Enhancement Notional Pooling Set-up Fee - 1 to 5 accounts: HKD5000/flat/per pool - over 6 accounts: HKD10000/flat/per pool Account Management Fee Fail to meet minimum requirement of monthly average balance Flexible Time Deposit Set-up Fee Multi-bank Statements Service Service fee Cash Pooling Services Set-up Fee Service fee MT940 statement Services Service fee - 1 to 5 account: HKD500/per month/per pool - over 6 accounts: HKD1000/per month/per pool - HKD1000/per month/per account - 10 and Below 10 accounts: HKD10000/per month - Each new added account beyond 10 accounts: HKD2000/per month/per account - 1 to 5 accounts: HKD15000/flat - over 6 accounts: HKD12000/flat - 1 to 5 account: HKD1200/per month/per account - over 6 accounts: HKD1000/per month/per account - HKD200/per month/per account Remark: Not all the services set out in this Schedule are provided by China Construction Bank Corporation Hong Kong Branch ( CCBHK ), in particular, security trading services and other investment related services. The fees in this Schedule apply to CCBHK for those services made available by CCBHK only. Annexure 3 Change of the Bank s Savings/Checking/Time Deposit account number and the arrangement for recording Time Deposit transaction 1. Change of the Bank s Savings/Checking/Time Deposit account number Each account number of our savings / checking accounts and time deposit accounts for personal will be extended to 12 digits and 19 digits respectively; while each account number of our savings / checking accounts and time deposit accounts for corporate will be extended to 12 digits and 20 digits respectively. 0 will therefore be added in front of the existing account numbers. Example 1 If the existing account number of a savings account for a personal customer is 12345, the account number will become on and after the Effective Date. Example 2 If the existing account number of a time deposit account for a personal customer is 56789, the account number will become on and after the Effective Date. Example 3 Example 4 If the existing account number of a savings account for a corporate customer is 23456, the account number will become on and after the Effective Date. If the existing account number of a time deposit account for a corporate customer is 45678, the account number will become on and after the Effective Date. Please use the new savings/checking/time deposit account number for transactions on and after the Effective Date. 2. New arrangement for recording Time Deposit transaction New time deposit transactions on or after the Effective Date will be booked in one time deposit account (i.e. an existing time deposit account designated by you) and each transaction will have its own serial number. For example, the first and second transactions of the time deposit account for personal customer will be represented by *1 and *2 respectively, whereas *1 and *2 are the serial numbers; the first and second transactions of the time deposit account for corporate customer will be represented by *1 and *2 respectively, whereas *1 and *2 are the serial numbers. Annexure 4 Amendment on China Construction Bank (Asia) Terms and Conditions for Value Added Payroll Service A. Summary of the Key Changes 1. Update of the service termination period 2. Remove Fun Plus Rewards Scheme. Customer using Value Added Payroll Service will no longer enjoy Fun Plus Rewards Scheme B. Full details of the Changes (additions are underlined and deletions are crossed out):

7 Original Clause Number Amended or New clause number Amendment(s) 7 No change If there is no Eligible Payroll Transaction in the Payroll Account for consecutive months, the Payroll Service and the associated banking privileges will be terminated by the Bank automatically. The date and the amount of the Eligible Payroll Transaction is subject to the Bank s record and the Bank reserves the right to make final decision. B N/A Remove the following section B: (B) Fun Plus Rewards Scheme 1) The bonus points offer is only applicable to who have joined PREMIER SELECT/PREMIER BANKING/WISE BANKING services ( Packaged Banking Service ) of the Bank or have enrolled for Online Personal Banking Services. 2) Customer will not be able to enjoy any bonus points for the month if there is no Eligible Payroll Transaction during the month. 3) If the customer changed or cancelled the Payroll Account during a month, he/she will not be able to enjoy the bonus points calculated based on the average balance of the Payroll Account. 4) The bonus points earned under the Payroll Service will not be counted for Birthday Double Rewards during the birthday month of the Customer. 5) The offer shall be bound by the respective Terms and Conditions of Fun Plus Rewards Scheme (where applicable) issued by the Bank from time to time. Annexure 5 Consolidation of Terms and Conditions for China Construction Bank (Asia) Fun Plus Rewards Scheme into Terms & Conditions of Bonus Points Reward Programme A summary of the key changes against China Construction Bank (Asia) Fun Plus Rewards Scheme is set out under Section A and the full details of the Terms & Conditions of Bonus Points Reward Programme and Banking Bonus Points Table are set out under Section B. A. Summary of the Key Changes against China Construction Bank (Asia) Fun Plus Rewards Scheme Part 1: Terms & Conditions of Bonus Points Reward Programme 1. Fun Plus Rewards Scheme will be consolidated into Bonus Points Reward Programme. 2. PROGRAMME AVAILABILITY - Only personal account will be eligible for Bonus Points Reward Programme. 3. POINT EARNING & ELIGIBLE TRANSACTIONS FOR DESIGNATED BANKING SERVICES - The Designated Banking Services and transactions eligible for Bonus Points reward will be updated. Please refer to the Banking Bonus Points Table in Section B for details. For joint account, all the Bonus Points earned from the Transactions will be awarded to one of the joint account holders at the Bank s discretion. 4. BONUS POINT CAP ON ELIGIBLE TRANSACTIONS OF DESIGNATED BANKING SERVICES - The total Bonus Points earned for each Calendar Year will be capped at 12,500,000 of each Customer for eligible transaction of Designated Banking Services. 5. POSTING OF BONUS POINTS - Bonus Points earned through Designated Banking Services will be credited to the Bonus Points Rewards Account of Customers upon meeting the transaction requirements as set out in the Banking Bonus Points Table in Section B for details. 6. EXPIRY OF BONUS POINTS - Bonus Points earned are valid for up to 2 years and will be forfeited without notice on the last day of the following calendar year. 7. CASH REBATE REDEMPTION - Customer cannot use the Bonus Points to redeem Cash Rebate for the transaction fee for the designated investment/ insurance transactions. 8. CARDMEMBER AGREEMENT & TERMS AND CONDITIONS APPLY - All terms and conditions of the CCB (Asia) Credit Card Cardmember Agreement, the CCB (Asia) Credit Card Fee Schedule, the Accounts and Related Services (For Individuals), the Terms and Conditions for China Construction Bank (Asia) PREMIER SELECT / PREMIER BANKING / WISE BANKING Service and Schedule of Service Fees (whichever applicable) apply to this Programme and shall prevail in case of any conflict or inconsistency with these terms and conditions. 9. EXCLUSIVE REDEMPTION DISCOUNT WILL BE REPLACED BY BONUS POINT MULTIPLIER - Exclusive Redemption Discount will no longer be available. Instead, basic Bonus Points earned by the Designated Banking Services will be multiplied according to different type of Customers. Any unused Bonus Points earned by the Designated Banking Services will also be automatically multiplied on the Effective Date. Please refer to the Banking Bonus Points Table in Section B for details. 10. Except for the key changes mentioned above, provisions in the Bonus Points Reward Programme are rewritten to enhance clarity of the meaning of the terms and conditions and reflect existing practices. Part 2: Banking Bonus Points Table The Designated Banking Services which earn Bonus Points will be updated. Besides, basic Bonus Points earned by the Designated Banking Services will be multiplied according to different type of Customers. Added Removed Deposit in Savings/Checking Account edeposit CNY Non-Deliverable Forward Value Added Payroll Services Non-leveraged Collateralized Foreign Exchange Trading Rider of Life Insurance B. Full details of the Terms & Conditions of Bonus Points Reward Programme and Banking Bonus Points Table Part 1: Terms & Conditions of Bonus Points Reward Programme (A) Bonus Point Accumulation: 1. PROGRAMME AVAILABILITY - This Programme is available to: Customer ( Customer(s) ) who (i) is the principal cardmember of any valid Visa / Mastercard Credit Card (except CCB (Asia) Hong Kong Airlines Fly Away Credit Card and CCB (Asia) Visa Infinite Credit Cards) ( Credit Card(s) ) issued by China Construction Bank (Asia) Corporation Limited ( Bank, we, us, or our ); or (ii) maintains PREMIER SELECT / PREMIER BANKING / WISE BANKING service (collectively known as the Packaged Banking Service ) with the Bank ( Packaged Banking Customer(s) ); or (iii) maintains Online Personal Banking Service and holds at least one banking product or service (excluding credit card account) with the Bank ( Online Banking Customer(s) ). 2. POINT EARNING - Customer will earn bonus point ( Bonus Point(s) ) by using the following banking services ( Services ):

8 Products/Services Earn Rate Credit Cards 1 Bonus Point for every HKD1 spent on retail purchases and cash advances Designated Banking Services Please refer to the Banking Bonus Points Rewards Table ( Banking Bonus Points Table ) published by the Bank from time to time Designated Banking Services include the following: Categories General Banking Service Investment Life Insurance* General Insurance* Designated Banking Services Outward Remittance through Telegraphic Transfer Time Deposit Placement with new funds and deposit tenor of 1 month or above, except time deposit renewals Foreign Currency Trading, applicable to foreign exchange via Customer s account transfer Online Bill Payment Deposit in Savings/ Checking Account Securities Trading (including HKD or RMB denominated stocks) with brokerage commission equal to or higher than 0.18%, except IPO subscription FX Linked Deposit Placement with deposit tenor of 14 days or above, except swap deposit (or other deposit as updated by the Bank by time to time) Currency Switching Structured Notes Subscription Structured Equity-Linked Product Subscription Bond / Certificate of Deposit Secondary Market Trading Mutual Fund Subscription with subscription fee equal to or higher than 1.5%, not applicable to fund switching transactions within the same fund management company FX Option Trading and the transaction will not double count as FX Margin Trading for earning Bonus Points FX Margin Trading, not applicable to rolled-over contracts CNY Non-Deliverable Forward Non-leveraged Collateralized Foreign Exchange Trading Successful application of designated life insurance plans (except investment-linked life insurance plan), including life insurance plans with (i) annual premium (applicable to the first year of the policy) or (ii) single premium / dump in Successful application of designated (i) travel insurance plan, (ii) domestic helper insurance plan or (iii) home contents insurance plan, and domestic helper and home contents insurance plans are only applicable to Packaged Banking Customer under this Programme *The premium amount of Life Insurance and General Insurance used to determine the amount of Bonus Points earned shall be based on the relevant insurance company(ies) s record and the Bank takes no responsibility to its accuracy or completeness, and disclaims any liability for any loss arising from or in reliance of such amount. Double Bonus Points (include the basic Bonus Points) will be awarded for the Designated Banking Services used by a Customer during his/her birthday month ( Birthday Double Rewards ). The Birthday Double Rewards are not applicable to transactions in relation to Credit Card. In case the Designated Banking Services are conducted through a joint account of which all the account holders are eligible for this Programme, only the account holder with the highest priority based on the below criteria will be entitled to earn the Bonus Points or Double Bonus Points. If there is more than one account holder with the highest priority, only the primary account holder will be entitled to earn the Bonus Points or Double Bonus Points. Priority According To Customer Type (From highest to lowest) (i) PREMIER SELECT BANKING Customer (ii) PREMIER BANKING Customer (maintained relationship 3 years) (iii) PREMIER BANKING Customer (maintained relationship < 3 years) (iv) WISE BANKING Customer (v) Online Banking Customer 3. ELIGIBLE TRANSACTIONS FOR CREDIT CARD - Only spending on retail purchases and cash advances (including by installment arrangements) by using the Credit Cards will be eligible for Bonus Points. There are no Bonus Points for the following payment types by Credit Cards, including but not limited to, Cash Out Installment Program, FUN Express Installment Program, settlement of finance charges, late charges, all account service charges, settlement through online personal banking service for insurance loan repayment, tax payment, payment for MPF contribution, or other categories as we may at our sole discretion determine from time to time. 4. ELIGIBLE TRANSACTIONS FOR DESIGNATED BANKING SERVICES - Packaged Banking Customers will be entitled to earn Bonus Points by using the Designated Banking Services stated in Clause 2 or such other banking services as the Bank may specify from time to time through any channels. Online Banking Customers will be entitled to earn Bonus Points by using the Designated Banking Services through Online Banking or Mobile Banking (if applicable) of the Bank only. Bonus Points will not be awarded for any Designated Banking Services that are subsequently cancelled or reversed. 5. BONUS POINT CAP ON DESIGNATED TRANSACTIONS OF CREDIT CARD - The total Bonus Points earned for each calendar year (from 1 January to 31 December) ( Calendar Year ) will be capped at 12 times of the permanent combined credit limit (not applicable to temporary increase in credit limit) for transaction(s) of online bill payment(s) and payment(s) to insurance companies which are paid by Credit Card. 6. BONUS POINT CAP ON ELIGIBLE TRANSACTIONS OF DESIGNATED BANKING SERVICES - The total Bonus Points earned for each Calendar Year (from 1 January to 31 December) will be capped at 12,500,000 of each Customer for eligible transaction of Designated Banking Services. 7. POSTING OF BONUS POINTS The Bonus Points will be credited to the bonus point rewards account ( Bonus Points Rewards Account ) of Customers when an eligible transaction is posted on the Credit Card account. For installment loans or interest-free purchase-by-installment transactions, Bonus Points will be credited when an installment is posted on the Credit Card account. Any Bonus Point that credited for ineligible transaction may, without prior notice, be reversed. Bonus Points earned through Designated Banking Services will be credited to the Bonus Points Rewards Account of Customers upon meeting the transaction requirements as set out in the Banking Bonus Points Table published by the Bank from time to time. 8. EXPIRY OF BONUS POINTS - Bonus Points earned are valid for up to 2 years and will be forfeited without notice on the last day of the following calendar year. For example, Bonus Point earned during 1 January, 2018 to 31 December, 2018 will be expired on 31 December, Bonus Point earned during

9 1 January, 2019 to 31 December, 2019 will be expired on 31 December, All Bonus Points earned will be forfeited and cancelled without notice upon termination or cancellation of all the products and services with the Bank. When Bonus Points have been credited to a Bonus Points Rewards Account and there is a subsequent cancellation of account for that Designated Banking Service within 6 months after account opening, the Bonus Points which have been earned will be forfeited and debited from the Bonus Points Rewards Account directly without any notice. 9. NO CONSOLIDATION OF BONUS POINTS - Unless otherwise specified, other types of exclusive Bonus Points earned from other credit cards, including but not limited to, UnionPay Dual Currency Credit Card, CCB (Asia) Visa Infinite Card and CCB (Asia) Hong Kong Airlines Fly Away Credit Card cannot be combined with the Bonus Points earned under this Programme. (B) Bonus Points Redemption 10. REDEMPTION - Applications for gift redemption/cash rebate redemption/voucher redemption/purchase requests ( Redemption(s) ) may only be made by Customers. Redemptions are only accepted if we consider that the relevant products/services are still available. 11. USE OF BONUS POINTS - The Bonus Points required for Redemption will be deducted from the Bonus Points Rewards Account. If cash is required for Redemption, Customer must appoint a Credit Card account which is relevant to the Bonus Points Rewards Account to pay the cash amount. All transaction details will be set out in the subsequent monthly statement of the relevant Credit Card account. 12. INSUFFICIENT BONUS POINTS - Any Redemption with insufficient Bonus Points will be automatically rejected. However, for Redemption request of multiple items submitted by the same physical form, if the Bonus Points are not enough to redeem all the items, we will process the Redemption following the listed order. 13. CASH REBATE REDEMPTION - Successfully redeemed cash rebate will be credited to the Credit Card account upon deduction of the applicable Bonus Points. The cash rebate details will be shown in the Customer s subsequent monthly statement of the relevant Credit Card account. 14. FORFEITURE OF BONUS POINTS - Any fraud or abuse committed in relation to the Programme may result in the forfeiture of any accrued Bonus Points. 15. NO CHANGE AFTER REDEMPTION SUBMITTED - Redemption cannot be changed or withdrawn once submitted. Customers are required to redeem the rewards by Bonus Points according the procedures as prescribed by the Bank (or as notified to the Customers by the Bank from time to time). In case of unsuccessful Redemption, any deducted Bonus Points, cash amount (if applicable) and redemption fee (if applicable) will be refunded to your credit card account accordingly. 16. RESTRICTIONS - All Redemptions are subject to availability of the redeemed item/offer, and will be accepted on a first-come-first-served basis. We may substitute other items/offers of similar value in case of non-availability. We will not provide notice of non-availability or substitution or any change in Redemption and/or Bonus Points requirements. Items/offers and any vouchers being redeemed/ purchased are not exchangeable for cash. No free trial or return service will be offered in relation to any item/offer redeemed under this Programme. 17. ISSUE OF REDEMPTION LETTER/VOUCHERS ETC - Unless otherwise specified, redemption letter/voucher/notification will be mailed to the Customer s correspondence address approximately 4 to 6 weeks from our receipt of a successful Redemption. Customer shall contact our Customer Services Hotline at if he/she fails to receive the redemption letters or vouchers within such period. (C) Terms & Conditions for all Vouchers Redemption ( Voucher Redemption ) 18. Vouchers redeemed under this Programme ( Voucher(s) ) cannot be used in conjunction with any other promotional or VIP offers, unless otherwise specified by the Voucher issuers. 19. Vouchers are not redeemable for cash. 20. Use of the Vouchers will be subject to the terms and conditions imposed by the Voucher issuers. 21. Except for Vouchers with stored-value nature, each Voucher can only be used once. 22. Vouchers will only be valid with the issuers authorized signature and/or company chop. Photocopies of Vouchers or defaced or mutilated or damaged Vouchers will not be accepted. 23. Vouchers must be presented to the relevant Voucher issuer before placing an order or settling payment. 24. Neither we nor the Voucher issuers will be responsible for any loss or damage of any Voucher. 25. All matters or disputes in relation to the use of the Voucher will be resolved directly with Voucher issuer and subject to Voucher issuer final decision (or, as we determine, the Voucher issuers). (D) Terms and Conditions of Asia Miles Redemption ( Asia Miles Redemption ) : 26. REDEMPTION - Asia Mile Redemption is only available to Customer with a Visa or Mastercard Platinum Credit Card (except CCB (Asia) Hong Kong Airlines Fly Away Credit Card) ( Platinum Card(s) ) issued by the Bank. Customer shall have a valid membership of Asia Miles. 27. ASIA MILES REDEMPTION - Customer can redeem 1 Asia Miles by 15 Bonus Points and there is no minimum redeemed Asia Miles. Customer is required to pay redemption fee. 28. REDEMPTION FEE - The redemption fee for the first 10,000 miles of each Asia Miles Redemption is HKD100, and HKD50 for every additional 5,000 miles (HKD50 will be charged for less than 5,000 miles) of the same Asia Miles Redemption. The maximum redemption fee for a single redemption is HKD300. Customer must appoint a Platinum Card account which is relevant to the Bonus Points Rewards Account to pay the redemption fee. 29. MILES CREDITING - Upon receipt of Asia Miles Redemption request, the Bank will forward the request to Asia Miles Limited for processing. Asia Miles will be credited to your Asia Miles account within 4 to 6 weeks from the day of receiving the Asia Mile Redemption request. 30. NOTIFICATION OF REDEMPTION RESULT - Unless otherwise specified, a notification letter for the redemption result will be mailed to the Customer s correspondence address. (E) General Terms & Conditions 31. DISCLAIMERS - We will not replace, and have no liability, if any redemption letter or voucher is lost or damaged for any reason. The validity and use of any redeemed item/gift/prize under this Programme is subject to the relevant usage instructions and terms and conditions imposed by the relevant suppliers. We shall not act as, or assume any liability of, a product/service supplier or agent of any such suppliers. Any claim, complaint, or dispute in connection with any redeemed item/gift/prize shall be addressed to and resolved directly with the relevant suppliers, which shall in no way relieve such Customer from his/ her payment and other obligations to us. We provide no warranty for any redeemed item/gift/prize. Any available warranty shall be subject to the terms and conditions set by the relevant suppliers. 32. FINAL DECISION - We may modify, terminate or withdraw this Programme at any time and have the final decision at our discretion in all matters and disputes in relation to the Programme. We may vary these terms and conditions without prior notice. We shall not be responsible or liable for any claims or liability in relation to use of this Programme by any Customer or other person. 33. CARDMEMBER AGREEMENT & TERMS AND CONDITIONS APPLY - All terms and conditions of the CCB (Asia) Credit Card Cardmember Agreement, the CCB (Asia) Credit Card Fee Schedule, the Terms and Conditions for Accounts and Related Services (For Individuals), the Terms and Conditions for China Construction Bank (Asia) PREMIER SELECT / PREMIER BANKING / WISE BANKING Service and Schedule of Service Fees (whichever applicable) apply to this Programme and shall prevail in case of any conflict or inconsistency with these terms and conditions. 34. ENGLISH VERSION PREVAILS - In case of any inconsistency between the English and Chinese versions of these terms and conditions, the English version shall prevail.

10 Part 2: Banking Bonus Points Table 1 (additions are underlined and deletions are crossed out) Transaction Type 2 Reward Requirement 3 Basic Bonus Points Rewards 1 Time Deposit Time Deposit Placement with new funds 4 (tenor 1 month) Deposit in Savings/ Checking Account (Monthly Average Balance) Every HK$200,000 of transaction amount Every HK$200,000 of balance 2 General Banking Services Package Banking Customers Online Banking Customers Points (maximum 540 Points per month) 180 Points (maximum 900 Points per month) Outward Remittance through Telegraphic Transfer Every transaction Points Foreign Currency Trading (foreign exchange via account transfer) Online Bill Payment edeposit Every HK$10,000 of transaction amount Every 2 transactions of different merchants Every 2 transactions 3 Investment Products Mutual Fund Subscription (Subscription fee 1.5%) Securities Trading (commission rate 0.18%) FX Linked Deposit Placement (tenor 14 days) Every HK$2,500 of transaction amount Every HK$20,000 of transaction amount Every HK$20,000 of transaction amount Points Points (maximum Points per month) 100 Points (maximum 200 Points per month) Points Points Points Currency Switching Every HK$20,000 of transaction amount Points Not Applicable Structured Notes Subscription Every HK$20,000 of transaction amount Points Not Applicable Structured Equity-Linked Product Subscription Every HK$20,000 of transaction amount Points Not Applicable Bond / Certificate of Deposit Secondary Market Trading Every HK$20,000 of transaction amount Points Not Applicable FX Option Trading Every HK$200,000 of transaction amount Points Not Applicable FX Margin Trading Every HK$200,000 of transaction amount Points Not Applicable CNY Non-Deliverable Forward Every HK$200,000 of transaction amount 180 Points Not Applicable Non-leveraged Collateralized Foreign Exchange Trading 4 Life Insurance Life Insurance with Annual Premium (applicable for first year of the policy and including riders) Every HK$20,000 of transaction amount 180 Points Not Applicable Every HK$1,500 of premium amount Points Not Applicable Life Insurance with Single Premium/ Dump in Every HK$1,500 of premium amount Points Not Applicable 5 General Insurance Travel Insurance Every HK$150 of premium amount Points Domestic Helper Insurance Every HK$150 of premium amount Points Not Applicable Home Contents Insurance Every HK$150 of premium amount Points Not Applicable 6 Value Added Payroll Service Payroll Transaction RMB Auto-Exchange Instruction under the HKD/RMB Exchange Plan Every transaction Every transaction 100 Points (maximum 200 Points per month) 100 Points (maximum 100 Points per month) Monthly average balance of HKD Payroll Account HK$20,000 to HK$200,000 Above HK$200,000 to HK$1,000,000 Above HK$1,000,000 to HK$3,000,000 Every HK$20,000 balance 200 Points 400 Points 600 Points

11 Basic Bonus Points earned by the Designated Banking Services will be multiplied according to different type of Customers. Customer Type 1 PREMIER SELECT BANKING Customer PREMIER BANKING Customer (maintained relationship 3 years) 3 PREMIER BANKING Customer (maintained relationship < 3 years) Multiplier WISE BANKING Customer Online Banking Customer 1 Notes: 1. The above reward requirement and bonus points rewards are designated by the Bank from time to time and are subject to change without prior notice. Please visit our Bank s website for the latest scheme rewards table Banking Bonus Points Table. The scheme programme is bounded by the Terms and Conditions for Fun Plus Rewards Scheme Bonus Points Rewards Programme and cannot be enjoyed in conjunction with exceptional pricing discounts or other promotional offers. Investment involves risks. 2. The amount of Bonus Points earned is determined on the basis of each transaction. Transactions cannot be accumulated or combined for calculating bbonus ppoints rewards. In case of a joint-name account of the above transaction types, one of the account holders shall be appointed as nominee to earn Bonus Points, redeem and collect the rewards. Otherwise, all Bonus Points for transactions of the joint-name account will be awarded to one of the joint account holders at the bank s discretion. In case the Designated Banking Services are conducted through a joint account of which all the account holders are eligible for this Programme, only the account holder with the highest priority based on the designated criteria will be entitled to earn the Bonus Points or Double Bonus Points. If there is more than one account holder with the highest priority, only the primary account holder will be entitled to earn the Bonus Points or Double Bonus Points. 3. If a transaction is conducted in foreign currency and the amount of Bonus Points earned is based on the transaction amount, the transaction amount will be converted to Hong Kong dollar equivalent using an exchange rate set by the Bank on the transaction date or on the date the amount of Bonus Points earned is calculated (determined by the Bank at its sole discretion). 4. Only applicable to New Time Deposit placement with new fund and not applicable to time deposit renewals. 5. Online Banking Customers are only entitled to Bonus Points by effecting the eligible transaction (if applicable) through Online Banking or Mobile Banking of the Bank(except Payroll Service). Offers and services are bound by Terms and Conditions for Bonus Points Reward Programme. Please refer the terms and conditions for details. Annexure 6 Amendments to Terms and Conditions for China Construction Bank (Asia) PREMIER SELECT / PREMIER BANKING / WISE BANKING Service and PREMIER BANKING and WISE BANKING Birthday Program ( Birthday Offer ) Terms and Conditions A summary of the key changes is set out under Section A, and the full details of changes are set out under Section B. A. Summary of the Key Changes 1. PREMIER SELECT / PREMIER BANKING / WISE BANKING Service will be applicable to Individual only. 2. PREMIER Savings Account will be applicable to PREMIER SELECT / PREMIER BANKING / WISE BANKING. 3. Provisions are amended for the new condition of maintaining a settlement account for PREMIER SELECT / PREMIER BANKING / WISE BANKING Service and the terms and conditions for PREMIER Savings Account are also applicable to WISE BANKING. 4. Provisions are amended to update the selection channel of PREMIER BANKING and WISE BANKING Birthday Offer. B. Full details of the Changes (additions are underlined and deletions are crossed out): Terms and Conditions for China Construction Bank (Asia) PREMIER SELECT / PREMIER BANKING / WISE BANKING Service These Terms and Conditions are applicable to individual customer / commercial customer (collectively known as the Customer ) who joins PREMIER SELECT / PREMIER BANKING / WISE BANKING service (collectively known as the Packaged Banking Service ) provided by China Construction Bank (Asia) Corporation Limited (the Bank ). Customers are bound by these Terms and Conditions upon the application and using of Packaged Banking Service. Clause 1 Conditions of Services a. A Customer has to maintain a valid HKD statement savings account or checking account with the Bank as the settlement account in order to apply for and continue to use the Packaged Banking Service. a.b. The Bank may offer Packaged Banking Service to its Customer if the Customer satisfies the criteria determined by the Bank from time to time. Such criteria include the maintenance of certain minimum balance as the Bank may determine. If the Customer s daily average combined balance (calculated in accordance with Clause 3 below) falls below the required minimum amount prescribed by the Bank and/or there are insufficient funds in the Customer s account(s) to satisfy fees and charges payable as stipulated in Clause 4 below in connection with the Packaged Banking Service, the Bank will be entitled to terminate or suspend the Packaged Banking Service provided to the Customer. b.c. The required minimum amount of the Daily Average Combined Balance with the Bank is (i) HKD5,000,000 or equivalent for PREMIER SELECT; (ii) HKD1,000,000 or equivalent for PREMIER BANKING; (iii) HKD100,000 or equivalent for WISE BANKING, or such other amount as the Bank may determine from time to time ( Required Minimum Amount ). If the respective balance is in foreign currency, it will be calculated into HKD according the prevailing foreign exchange rate used by the Bank. c.d. Customer is also bound by the terms and conditions stated in the Terms and Conditions for Accounts and Related Services (For Individuals), (collectively Terms and Conditions for Accounts ). For Packaged Banking Service, in the event of any inconsistency between these Terms and Conditions and the Terms and Conditions for Accounts, these Terms and Conditions shall prevail. Clause 6 PREMIER Savings Account (Not Applicable to WISE BANKING Customers) a. The PREMIER Savings Account is applicable to new PREMIER SELECT or PREMIER BANKING PREMIER SELECT / PREMIER BANKING / WISE BANKING customer who has not applied Packaged Banking Service been a PREMIER SELECT or PREMIER BANKING customer (either in single name or joint names) of the Bank in the past 12 months ( New Customer ). b. New Customer who successfully opens the PREMIER Savings Account can enjoy the Extra Bonus Interest Rate ( Extra Interest Rate ) for Eligible Amount. For any deposit balance that exceeds the Eligible Amount, the prevailing savings interest rate applicable to a regular HKD Statement Savings account of the Bank applies. The Eligible Amount and Tthe Extra Interest Rate is subject to change from time to time without prior notice. Please visit the Bank s website for the eligible amount and latest Extra Interest Rate. c. The Extra Interest Rate applies to the deposit balance of above HKD5,000,000 to HKD1,000,000 ( Eligible Amount ) in the PREMIER Savings Account. For any deposit balance that exceeds the Eligible Amount, the prevailing savings interest rate applicable to a regular HKD Statement Savings account of the Bank applies.